Disclaimer and Conditions

Loan & Product Disclaimer


Sparta Finance Inc. is not a licensed dealer of or otherwise affiliated with or endorsed by, Polaris Industries Inc.

“Sparta Certified”, “Pre-Owned/Used”, “Certification” or “Guarantee” is solely provided by Sparta Finance Inc. services, or optional extended Warranty services and not Polaris Industries Inc.

Thank you for browsing our inventory and loan options.

Products are selling so rapidly we want you to know that we can replicate any advertisement we have displayed. We custom build our products, import across North America, and have over 100+ dealer and direct access to top brands and partners across North America.

Our process is simple, fast, and seemless – Apply – Get a loan opportunity – Get your guaranteed product! Loan and payment options are subject to approved credit – bank rates, terms, conditions, and availability, longest loan terms applicable, and possible money down options. Rest assured our objective is to get our consumers the absolute best loan terms, lowest rate (5.9% OAC.) subject to bank conditions and rate charts, payment conditions, and product. Payment advertised is subject to up to a 20% down payment, qualifications of up to 60/180 month amortization at 5.9% OAC. We do not accept cash for purchases of our products as we are a finance company only, however our loans are like most major credit cards which can be paid off immediately after the first payment has been made with zero penalty. We are a zero pressure towards any consumer tolerance company as you (the consumer) have the power and choice to agree to or decline ALL loan terms and conditions at the comfort of your own home and personal space as we deliver to you and offer a preliminary virtual process. We do not “win” unless you “win” in the sense that we are not happy unless you are happy! We strive to achieve the best result and get you exactly what you want and qualify for, and our staff are trained to follow a process which includes a funneling with open dialogue of affordability, terms, payments, needs, wants, and conditions, to be agreed upon with absolute full transparency before signing any loan obligations or contract. We also offer a free credit advice package to every consumer in order to empower our consumers and educate them on building a positive and stable credit score. We certify and guarantee our products for sale that we advertise which means that we will ensure your product is certified, safe and reliable at time of sale. Our loans are open ended without penalty, please contact us for more details, we will be sure to serve you to the best of our ability in order to make your dream toy come true! We also deliver right to your doorstep, so you can focus on work, life, and the family!

Delivery is not always guaranteed, subject to loan qualifications, product type, location, and road access. We guarantee receipt of your product. All conditions are subject to product, parts availability, and loan qualifications.

Sparta is NOTHING without its SPARTANS
The SPARTANS are nothing without the CITIZENS!

Sparta Finance – We WILL go to WAR for you!

All Financing is subject to credit and terms of bank approval.

Credit Check Disclaimer:

Please be advised that Sparta Finance Inc. may perform a credit check as part of our application or evaluation process for our loan and loan brokerage services. By applying for or engaging in these services, you acknowledge and consent to the following terms and conditions regarding our credit check process:

  1. *Authorization*: By submitting your application or engaging in our services, you provide us with explicit consent to obtain your credit report and assess your credit history from one or more credit reporting agencies.
  2. *Purpose*: The credit check is conducted solely for the purpose of evaluating your creditworthiness, financial history, and ability to meet financial obligations associated with the requested services.
  3. *Confidentiality*: All information obtained during the credit check process will be handled in strict accordance with applicable privacy laws and regulations. Your personal and financial information will be kept confidential and used only for the purposes stated above.
  4. *Impact on Credit Score*: Please be aware that a credit inquiry may affect your credit score. The extent of the impact depends on the credit reporting agency and the number of inquiries made within a specific time frame. We encourage you to inquire with the credit reporting agency regarding the potential impact on your credit score.
  5. *Adverse Action Notice*: In the event that your credit report reveals unfavourable information that may adversely affect your eligibility for our services, [Your Company Name] will provide you with an Adverse Action Notice as required by applicable laws. This notice will include details about the credit reporting agency that provided the information and your rights under the Fair Credit Reporting Act.
  6. *Accuracy of Information*: It is your responsibility to ensure that the information provided in your application is accurate and up-to-date. Inaccurate or incomplete information may adversely impact the credit evaluation process.
  7. *Contact Information*: If you have questions or concerns regarding our credit check process, you may contact our Customer Support team at 1-833-477-2782

 By proceeding with your application or engagement in our services, you confirm that you have read and understood this credit check disclaimer and consent to our use of credit information for the stated purposes. If you do not agree with these terms, please refrain from applying for our services or contact us to discuss alternative arrangements.

 Sparta Finance Inc. reserves the right to update or modify this credit check disclaimer as needed, and any changes will be communicated to you as required by applicable laws.

Specific Finance Loans:
We are a One Stop Shop Finance Company with the ability to get you the loan for the product you are looking for with delivery services right to your doorstep, all of our units are fully certified, and detailed to your satisfaction.

Our Head Retail Office is 1406 Blanshard Street, Victoria BC – V8W 2J2​

We have over 20 banks to choose from much like a mortgage broker.

On specific loans such as accessory loans and other loans that we offer our interest rates are as low as 0% up to 29.9% OAC.

Cost of Services & Banking Fees may range from $50-$1500 depending on the bank and risk of the loan.

Freight & PDI may be applicable – amount varies subject to shipping and pre-delivery inspection costs.

License fees are up to $500 depending on bank and risk of the loan.

Loans may be subject to PPSA fees.

All loans are on approved credit.

Our terms are as low as 3 months and go up to 240 months amortization depending on the product associated to the loan.

All loans are open ended and may be paid off at anytime without penalty.

Terms & Conditions


The information, services, products, and materials contained in this site, including, without limitation, text, graphics, and links, are provided on an “as is” basis with no warranty. To the maximum extent permitted by law, Sparta Finance disclaim all representations and warranties, express or implied, with respect to such information, services, products, and materials, including but not limited to warranties of merchantability, fitness for a particular purpose, title, noninfringement, freedom from computer virus, and implied warranties arising from course of dealing or course of performance. In addition, Sparta Finance do not represent or warrant that the information accessible via this web site is accurate, complete or current. Price and availability information is subject to change without notice. Due to the large amount of content and information provided, errors can and will occur. By visiting this web site you agreed that Sparta Finance shall be held harmless from all liability and responsibility for any and all errors or omissions in the information provided on this web site. Sparta Finance shall not be required or obligated to honor any price if said price is incorrect or inaccurate, regardless of whether the information was entered by Sparta Finance.



In no event shall Sparta Finance be liable for any direct, indirect, special, punitive, incidental, exemplary or consequential damages, or any damages whatsoever, even if Sparta Finance has been previously advised of the possibility of such damages, whether in an action under contract, negligence, or any other theory, arising out of or in connection with the use, inability to use, or performance of the information, services, products, and materials available from this site. These limitations shall apply notwithstanding any failure of essential purpose of any limited remedy. Because some jurisdictions do not allow limitations on how long an implied warranty lasts, or the exclusion or limitation of liability for consequential or incidental damages, the above limitations may not apply to you.



The images, logos, copy and trademarks contained in this site, including but not limited to the text, images, audio or video, may not be used in any manner, or for any purpose, without Sparta Finance express written permission, are believed to be in the public domain or used with permission of the respective trademark or copyright holder. The information and images on this site may not in any way be used in any manner, or for any purpose, without the express written permission, of  Sparta Finance or the official holder of the copyright or trademark. Please contact Sparta Finance if you have questions or concerns about the site content.



The receipt of an e-mail order confirmation does not constitute the acceptance of an order or a confirmation of an offer to sell. Sparta Finance reserves the right, without prior notification, to limit the order quantity on any item and/or refuse service to any customer. Verification of information may be required prior to the acceptance of any order. By placing a credit card order, the customer grants the Sparta Finance permission to contact their bank to verify name and address.



This site may contain links to other web sites on the Internet that are owned and operated by third party vendors and other third parties (hereafter referred to as “External Sites”). You acknowledge that Sparta Finance are not responsible for the availability of, or the content located on or through, any External Site. You should contact the site administrator or Webmaster for those External Sites if you have any concerns regarding such links or the content located on such External Sites.



Shipping and Handling

Deliveries of our products are typically completed within 7-10 business days after final funding is completed, received, and all stipulations have been satisfied.
We guarantee the product to arrive in the condition it was purchased, and we will make your first payment if the product arrives past this timeline, with the exception of Acts of God, natural disasters, and weather conditions.


Returns and Exchanges

After contracts are completed between you, Sparta Finance Inc. and the bank you will not be able to cancel, you will have an opportunity to cancel at time of signing or before.

There are no Returns, we can discuss other options together such as Trade-In opportunities subject to approval.


Sales Tax

Sales tax is charged subject to Province law off-road or on-road products, and mandatory 5% Canadian GST unless tax exempt.


Payment Methods

Down payments are accepted via e-transfer, credit card, or electric funds transfer.


Secured Online Shopping

We guarantee your order’s privacy and security over the web, with all transactions utilizing an SSL secure server connection. 



Individual product descriptions are claims of the manufacturer and/or distributor and are not guaranteed accurate. Prices subject to change without notice. Mistakenly posted prices and/or options on the website do not obligate us to those incorrect prices and/or options. We reserve the right to refuse to sell to anyone for any reason.

Sparta Loans

A division of Sparta Finance
Subjected to the same conditions stated in this document.
Sparta Loans is a liaison and broker between the banks and the consumer.
Sparta Loans are subjected to up to a 30% costs of services charge, and fees of up to $999 for administration, legal, and documentation fees.